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Determinants of Operational Risk of Microfinance Banks in Pakistan

Thesis Info

Author

Saghir Ahmed

Department

Department of Management Sciences

Program

Mphil

Institute

National University of Modern Languages

Institute Type

Public

City

Islamabad

Province

Islamabad

Country

Pakistan

Thesis Completing Year

2012

Subject

Management Sciences

Language

English

Added

2021-02-17 19:49:13

Modified

2024-03-24 20:25:49

ARI ID

1676728777295

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This study was conducted to analyse the determinants of operational risk because it was almost uncovered area and has a significant impact on sustainability of Microfinance Banks in Pakistan. Operational risk is everywhere whether the organization is big or small, profitable or not. It cannot be eliminated but it can be minimized by the operations to take the optimal level of output. Primary data was used in this research. It was collected through survey from management of Microfinance Banks from different places of Pakistan. Questionnaire with 5-point Likert scale was used as data collection tool. For the processing of data descriptive and inferential statistics was used. From inferential statistics comparison of mean score and ordinal logistic regression was used. Results show that Human Resource, Information Technology, Consumer Financial Literacy and Internal Control System have significant relationship with the Microfinance Banks and odd ratios show that Internal Control System has high positive impact on Microfinance Banks which leads towards decrease in operational risk. Human Resource has lowest impact on Microfinance banks of Pakistan. Microfinance banks are the function of operational risk. It is linked with operational performance of Microfinance Banks. Good Human Resource, Information Technology, Consumer Financial Literacy and Internal Control System may reduce the operational risk and as a result performance of MFB's can be better.
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حضرت امام ِ اعظم(امام ابو حنیفہ رحمۃ اللہ علیہ)

حضرت امامِ اعظم رحمۃ اللہ علیہ
(امام ابوحنیفہ رحمۃ اللہ علیہ)
عمر ہا در کعبہ و بت خانہ می نالد حیات
تا زبزم عشق یک دانائے راز آید بروں
کائنات کا نظام قانونِ قدرت کے مطابق چل رہا ہے، حیات و ممات کے اپنے مراحل ہیں شمس و قمر کے اپنے اپنے مدار ہیں ، باغِ حیات میں گلہائے رنگا رنگ کا وجود اپنی زیست کا ثبوت مہیّا کرتا ہے۔ گگن کی وسعتوں میںظلماتِ شب کو اجالا بخشنے والے کواکب رنگینیاں بکھیر رہے ہیں ، بادِنسیم کے مسحور کن جھو نکے عروقِ مردہ میں حیات بخش قطروں کی ترسیل کا سبب بن رہے ہیں۔ فلک بوس پہاڑ ، شاہینوں کی پرواز ، مجاہدوں کی للکار، صوفی کی تسبیح ، کسان کی جُہدِمسلسل، مومن کی شبِ بیداری، خطیب کا خطبہ ، واعظ کا وعظ ، منصف کا فیصلہ یہ سب اس بات کی دلیل ہیں کہ کوئی تو ہے جس نے یہ سارا نظام سنبھال رکھا ہے، اور وہ ایک خدا ہے۔
؎ جو دن کو رات اور رات کو دن بنا رہا ہے وہی خدا ہے
مختلف اوقات میں مختلف لوگ خدا تعالیٰ کے وجود کاا نکار کرتے رہے اور اللہ تعالیٰ اُن کا منہ توڑ جواب دینے کے لئے نابغۂ روزگار ہستیاں پیدافرماتا رہا، ان نفوسِ قدسیہ میں ایک عظیم نام نعمان بن ثابت بن مرزبان (امام ابوحنیفہ رحمۃ اللہ علیہ) کا ہے۔
آپ رحمۃ اللہ علیہ کا نام نعمان ، ابوحنیفہ کنیت ، امام اعظم بالاتفاق لقب ہے آپ رحمۃاللہ علیہ کی کنیت ابوحنیفہ آپ کی اولاد کی وجہ سے نہیں بلکہ کنیت وصفی ہے یعنی ابا الملۃ الحنیفہ اور بوجہ آیت مبارکہ’’ واتبعو ملۃ ابراہیم حنیف‘‘ ابراہیم حنیف کی ملت کی اتباع کرو۔ آپ رحمۃ اللہ علیہ نے اپنی کنیت ابوحنیفہ اختیار فرمائی اور اللہ تعالیٰ نے اسے شرفِ قبولیت بخشا جو...

EFFECT OF STATIC STRETCHING OF HAMSTRING ON NON-SPECIFIC LOW BACK PAIN

Objective: To determine the effect of static stretching of hamstring muscle on the non-specific low back pain. Methodology: A Quasi-Experimental study was conducted in Rabia Moon Institute of Neurology which total 30 participants were included through non-probability purposive sampling. Thirty participants were selected who fulfilled our inclusion criteria, they were divided into two groups; group A or treatment group received conventional physiotherapy treatment as well a static stretching exercise protocol for 5 days. Group B or control group received conventional physiotherapy treatment only. VAS (Visual analog scale) and Oswestry Disability questionnaire, SFGD (Standing Finger to ground Distance,) PSLR (passive straight leg raise) for both legs were measured pre- and post-treatment. Result: A total of 30 patients aged 20-55 were included in the study. Mean age of the participants was found to be 37.88 years.  The difference in means of all the assessment parameters pre and post-treatment for both groups were analyzed through paired t-test. There was a significant improvement in VAS, SFGD, Passive Straight leg Raise PSLR (right leg), PSLR (left leg) and level of disability pre- and post-treatment in the treatment group. Conclusion: This present study concluded that static stretching of hamstrings is effective in decreasing non-specific low back pain.

Genetic Diversity and Potential of Soybean Glycine Max. L. Brady Rhizobial Populations of Rawalakot Soils for Plant Growth Promotion

This study was conducted to examine the variability of soybean nodulation and growth in relation to elevation and soil properties across the slopping uplands of the Himalayan region of Rawalakot Azad Jammu and Kashmir (AJK), Pakistan in order to find efficient native N2 fixing bacteria adapted to local soil and climatic characteristics. Soils from twenty two different sites with variable altitude were collected and analyzed for different physico-chemical characteristics including the quantitative estimation of rhizobium population through spread plate method. Soybean cultivar William-82 was grown in these soils under greenhouse conditions for determining the nodulation potential (number and mass) and plant growth characteristics. Morphology of the nodules was observed through optical and transmission electron microscopy. Soil altitude ranged from 855 m to 3000 m while organic matter content varied between 0.8% to 3.5% and pH from 6.0 to 8.1. The number of nodules per plant varied from 7 to 40 (CV 38%) suggesting site/location as an important factor contributing towards rhizobia population and impacting root nodulation. Results showed a substantial variability between sites and this is likely to be due to inter/intra species diversity, as well as changes in microbial community composition/structure. Root nodules bacteria were isolated from soybean grown in soils of 22 different sites of subdivision Rawalakot. A total of 37 strains were isolated on YEMA medium and purified. All isolates were found Gram negative except NR15, NR30 and NR32. The isolates were further characterized for phosphate solubilization, indole acetic acid production and nitrogen fixation. Out of 37 strains, twenty eight were able to produce IAA while nine did not. The maximum IAA of 13.20 μg/mL was produced by the strain NR30 followed by 13.0 μg/mL by NR19, and 11.20 μg/mL by NR35 and NR4. Similarly, twenty nine strains solubilized P, while eight isolates were xxii not able to solubilize P in the culture medium. The maximum P solubilization of 15.56 μg/mL was recorded for strain NR15 followed by 12.52 μg/mL and 10.52 μg/mL for the strains NR35 and NR25, respectively. Five strains (NR15, NR19, NR29, NR30 and NR32) did not nodulate the host upon re-inoculation. Nitrogen fixing capacity of the strains was determined by acetylene reduction assay (ARA). A significant higher ARA (729 n moles/plant/hr) was recorded for NR20 followed by NR22 (697 n moles/plant/hr) and NR25 (680.7 n moles/plant/hr). Out of 37 bacterial strains isolated, 33 strains were sequenced and were submitted at Genbank data base and accession numbers were obtained. Out of 33 sequenced bacterial strains, 28 nodules forming rhizobial strains belong to Bradyrhizobium genera. Fourteen soybean root nodule forming strains were identified as Bradyrhizobium japonicum specie by showing the maximum similarity with Bradyrhizobium japonicum. Six nodules forming strains were identified as Bradyrhizobium elkanii specie. Three nodules forming strains belong to Bradyrhizobium yuamingense specie. Strains NR24 were identified as Bradyrhizobium liaoningense specie and four nodule forming strains were identified as Bradyrhizobium species on the basis of maximum sequence similarity. The five non-nodules forming strains were belong to five different genera. The bacterial strain NR15 was identified as Microbacterium specie, strain NR19 as Agrobacterium rhizogens, strain NR29 as Rhizobium specie, NR30 as Paenibacillus specie and NR32 as Bacillus specie on the basis of maximum sequence similarity. The results of the study demonstrate the potential of indigenous Bradyrhizobium strains for P soluibilization, N2 fixation and phytohormone production those could be used in biofertilizers. Seven indigenous Bradyrhizobium strains, one exotic strain TAL-102, an un-inoculated control and three N fertilizer rates (urea) i.e. 25, 50 and 100 kg N ha-1 were tested on soybean variety William-82 in pots and under field conditions in the mountain region of Rawalakot Azad xxiii Jammu and Kashmir, Pakistan in 2009 and 2010. Results showed that Bradyrhizobium inoculation accelerated plant growth by increasing shoot length (26-47%), root length (45-73%) and shoot dry weight (58-104%). Seed yield in the control was 861 kg ha-1 that significantly increased to 1450–2072 kg ha-1 following inoculation with Bradyrhizobium strains. Seed yields obtained with the indigenous NR20 and NR22 strains was 24 and 28% higher than that obtained with the exotic strains TAL-102. Number of nodules, nodules dry weight (mass) and ARA (N2 fixation) under Bradyrhizobium strains were significantly higher i.e. 55–123%, 94–178%, and 38–103%, respectively than that recorded under the un-inoculated control. However, higher N fertilization rate (N100) depressed nodulation and N2 fixation. Both Bradyrhizobium inoculation and N fertilization significantly increased oil and protein content of seed compared to the uninoculated control. Similar results were obtained under pot experiments. Bradyrhizobium inoculation and N fertilization in general had no significant effect on the saturated fatty acids (palmitic and stearic) whereas unsaturated fatty acids (linoleic acid and oleic acid), significantly increased compared to un-inoculated control. The mineral nutrient content N, P, and K and their accumulation in seed showed a 2-3-fold increase in response to applied strains and N fertilizer. Results demonstrated a significant variation in the symbiotic effectiveness and yield potential characteristic of tested strains showing that inoculation response was site specific. Two indigenous strains NR20 and NR22 were found highly efficient and displayed superiority over the exotic strain TAL-102. Pot and field experiments were conducted to observe the residual effects of Bradyrhizobial inoculation of soybean for two consecutive years on succeeding wheat crop. Wheat was grown on the same pots and field in which soybean was grown for two consecutive years 2009 and 2010. The pots and seed beds used for growing soybean were not disturbed after xxiv harvesting soybean and were manually prepared by spade. The treatments comprised of a control, three N fertilization rates (i.e. 100 kg N ha-1, 50 kg N ha-1, 25 kg N ha-1) and eight Bradyrhizobial inoculation treatments of previous soybean crop. The inoculation strains were not applied to wheat crop. The treatments were assigned to respective pots and plots where soybean was sown accordingly. Wheat variety Shafaq-2006 was used as test crop. Results of the field study revealed that highest plant height, root length, leaf surface area and chlorophyll contents of wheat were recorded in N100 followed by N50. Similarly spike length, 1000 seed weight and biological yield of wheat significantly increased by the application of 100 kg N ha-1 followed by 50 kg N ha-1. Among the inoculation treatments of previous soybean crop, all treatments significantly increased the growth and yield parameters of wheat over control but statistically at par with that recorded in N25 (25 kg N ha-1). The maximum grain yield of 2365 kg ha-1 was recorded in N100 followed by yield of 2102 kg ha-1 under N50 and the difference between these two was also significant. Among different inoculation treatments, the highest yield of 1844 kg ha-1 was recorded in NR22 which was at par with NR20, NR18 and N25. Seed protein and NPK uptake was also significantly affected by N fertilization and inoculation treatments. Response of growth and yield attributes to different treatments in greenhouse experiment was same to that observed under field conditions. The results of the study clearly demonstrate that the residual effect of inoculation to soybean crop was almost equivalent to 25 kg N ha-1 and inclusion of soybean in rotation could save about 25 kg N ha-1 for succeeding wheat crop. Overall results of this study revealed a marked variation in soil properties and microbial indices among soils collected from different sites of Rawalakot. A diversity in soybean nodulating bradyrhizobia were recognized having varied potential in symbiotic effectiveness and PGP activities and these bradyrhizobia can be best utilized in biofertilizers in Pakistan." xml:lang="en_US